Home Insurance in Worthington, Pennsylvania
Homes in Worthington carry a median value of $162,800 - close to the Armstrong County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Worthington was built around 1945. About 71% of homes were built before 1960, about 20 points above Armstrong County's 51%.
Housing in Worthington breaks down to 88% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Worthington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Worthington are owner-occupied.
86% of homes in Worthington are primarily heated with natural gas.
What's the biggest home insurance risk near Worthington? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Armstrong County and Armstrong County had 247 active NFIP flood policies as of September 2026. See the full Armstrong County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $162,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Armstrong County | 247 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)